Stable Value Solutions

During this unprecedented time, help employees maximize capital preservation returns in their retirement portfolios with our flexible solutions.

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Collective Investment Trusts (CITs) “pool” the assets of multiple plans together in order to gain access to Stable Value.

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Separate Account GICs combine the best features of Traditional GICs with added investment flexibility, control and security.

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Funding Agreements

Funding Agreements are unique investment contracts for use with non-qualified assets.

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Traditional GICs are popular retirement plan additions because of their simplicity and stability.

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A Synthetic GIC can maintain retirement savings and yield steady growth — just as you’d expect from Stable Value.

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Benefits include:

  • Principal protection and guaranteed interest rates1
  • Diversification among leading asset management sub-advisors
  • Fee structures that meet the needs of a variety of  retirement plan sponsors
  • Available to 401(K), 401(A), & 457(B) government plans

View CIT Partner Fund Sheets


Benefits include:

  • Access to industry leading investment sub-advisors
  • Segregation from the insurer’s general account assets
  • Portfolios that are managed to specific investment guidelines/benchmarks with no fixed maturity- reducing reinvestment risk for contract holders
  • Transparency of fees. portfolio, and crediting rate methodology


Benefits include:

  • Can be highly customized
  • Choice of fixed or floating interest rates for added flexibility
  • Competitive interest rates
  • Guarantee of principal and interest1


Benefits include:

  • Competitive, guaranteed interest rate, which is equivalent to yields of similar duration bonds
  • Certainty of return, because the fixed interest rate is unaffected by market interest rate fluctuations, asset values or participant withdrawals 
  • Protection of principal, so participants’ investments are secure
  • Principal and interest are available for participant withdrawals, at full book value, and guaranteed by MetLife


Synthetic GICs have two components:

  • A portfolio of bonds that are owned by the plan or trust and managed by an asset manager selected by the plan sponsor and 
  • An insurance contract issued by MetLife that provides a book value wrap around the underlying investments.1,2


Contact us to discuss putting Synthetic GIC’s to work for you and your plan participants.

What is a Guaranteed Interest Contract?

Guaranteed Interest Contracts (GICs) have been a key component of stable value funds since the beginning. And for good reason. Through GICs, stable value meets two important needs for retirement plan participants: principal protection and steady growth by earning a competitive interest rate.

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Get to know the experts who can provide more information about Stable Value, and how it may fit into your company’s retirement plan.

Why MetLife?


1 Guarantees are subject to the financial strength and claims-paying ability of the issuing MetLife company. 

Synthetic GIC contracts can be issued by Metropolitan Life Insurance Company, 200 Park Ave., NY, NY 10166 or Metropolitan Tower Life Insurance Company, 5601 South 59th St., Lincoln, NE 68516. Like. Most guaranteed interest contracts, MetLife contracts contain certain limitations, exclusions and terms for keeping them in force. Ask a MetLife representative for costs and complete details.